You Neglect Retirement
It's easy to focus on the present -- the bills you have to pay,
 the things you want to buy -- and assume you'll have time in the future 
to start saving for retirement. But the longer you wait,
 the tougher it will be to amass a sufficiently large nest egg.
Even if you're creeping closer to retirement, 
it's not too late to start putting away money.






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